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11-18-2011, 06:21 AM
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#1
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Montana Master
Join Date: Jul 2006
Location: K.C.
Posts: 11,731
M.O.C. #5980
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Get your 20% off your RV insurance!!!!!!!!
About 3 weeks ago, we got a letter from State Farm for units' construction, from "non-metal materials".
This applies to Comprehensive and physical damage coverage.
We got the letter, called our Insurance agent...who knew nothing about it... But they called home office and now they know.
SO, either they were charging us too much all along, or it is a new deal.
Worth a call to your agent, no matter which Insurance company you are with.
Good luck!!!!!!!!!!
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11-18-2011, 06:55 AM
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#2
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Site Team
Join Date: Jun 2011
Location: Wilsey
Posts: 18,799
M.O.C. #11455
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Thanks Ozz! Worth looking into.
__________________
Dick, Joyce, Diego, Picatso and Gustav
2017 3720 RL, and 2013 HC 343RL
Pullrite Hitch, IS, Disk Brakes, 3rd AC, Winegard Traveler, Bathroom door mod, Dometic 320, couch for desk swap, replaced chairs, sun screens, added awnings, etc.
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11-19-2011, 02:27 AM
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#3
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Montana Master
Join Date: Dec 2006
Location:
Posts: 2,376
M.O.C. #6575
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I was told State Farm would not write RV insurance for fulltimers...if they know it.
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11-19-2011, 06:47 AM
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#4
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Montana Master
Join Date: Aug 2007
Location: Waterford
Posts: 3,693
M.O.C. #7500
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I have Good Sam, which is really MIC (aka GMAC), and paid $598 for a year's coverage. How does that stack up with others?
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11-19-2011, 10:01 AM
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#5
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Montana Master
Join Date: Jul 2006
Location: K.C.
Posts: 11,731
M.O.C. #5980
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Tom, it was $524 last year, now this year it is $591.00, but we should get 20% off that.
Don't know why it went up.... I guess because they will give us 20% off??????
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01-11-2012, 03:29 PM
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#6
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Established Member
Join Date: Nov 2011
Location: Georgetown
Posts: 43
M.O.C. #11965
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Our 2012 3750FL Big Sky is rolling off the line in a week or so. I received a quote from GMAC through GS for $770, $500 deductible. I then received a quote from GMAC through RV America for the same coverage for $551. I then received a quote second quote from GMAC through RV America, unsolicited, for $664 a year, $1,000 deductible. THEN, a quote from GEICO, who has everything I own insured, for $720. Needless to say, I'm upside down right now. What are you all paying GS for ERS?
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01-12-2012, 12:02 AM
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#7
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Montana Master
Join Date: Aug 2004
Location: Cedar Rapids
Posts: 4,876
M.O.C. #1944
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Quote:
quote:Originally posted by SlickWillie
I was told State Farm would not write RV insurance for fulltimers...if they know it.
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That is correct. Twice I had State Farm when we decided to full time and both times they stopped our insurance. The only way they don't know you are full time is if you lie by not telling them.
Orv
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01-12-2012, 02:41 AM
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#8
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Montana Master
Join Date: Sep 2004
Location: Leona
Posts: 6,382
M.O.C. #2059
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I strongly suspect that if you have a major claim, some investigation will take place. If it is determined that you were insured under a false pretext, it might be reason for denial. There are companies the have full timer's coverage eliminating the risk.
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01-12-2012, 02:46 AM
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#9
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Montana Master
Join Date: Jul 2006
Location: K.C.
Posts: 11,731
M.O.C. #5980
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What would be the definition of Full time? If you are gone 12 month's, if you have no 'stick home' like that...
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01-12-2012, 05:32 AM
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#10
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Montana Master
Join Date: Sep 2004
Location: Leona
Posts: 6,382
M.O.C. #2059
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It is not my definition that counts. If it were me I would check with the company to get their definition. I think that is possible without giving away anything through customer service, not you agent.
When I went full time, I looked for a company that advertised fulltimer's coverage even though I had a permanent residence address.
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01-12-2012, 08:34 AM
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#11
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Montana Master
Join Date: Oct 2006
Location: McKinney
Posts: 7,167
M.O.C. #6433
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Quote:
quote:Originally posted by Ozz
......... from "non-metal materials".
This ............
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Meaning the outer surfaces are made of fiberglass or such as opposed to sheet metal? Obviously the frame is metal.
__________________
Bill & Patricia
Riley, our Golden
2007 3075RL (recently sold, currently without)
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01-12-2012, 12:12 PM
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#12
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Montana Master
Join Date: Jul 2006
Location: K.C.
Posts: 11,731
M.O.C. #5980
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The metal skin is the problem I think, our outer surface is much more durable.
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